diff --git a/.coveralls.yml b/.coveralls.yml
new file mode 100644
index 0000000..3571887
--- /dev/null
+++ b/.coveralls.yml
@@ -0,0 +1 @@
+repo_token: bYVvifY6POXhFwOja3SZIX1nUxtWrUxKj
diff --git a/.rubocop.yml b/.rubocop.yml
index dc4c4b0..2b681be 100644
--- a/.rubocop.yml
+++ b/.rubocop.yml
@@ -5,10 +5,14 @@ Naming/FileName:
 Metrics/MethodLength: 
   Max: 25
 Metrics/BlockLength:
-  Max: 30
+  Max: 35
 Metrics/ParameterLists:
   Max: 8
 Lint/DuplicateMethods:
   Enabled: false
 Naming/AccessorMethodName:
+  Enabled: false
+Naming/PredicateName:
+  Enabled: false
+Style/AsciiComments:
   Enabled: false
\ No newline at end of file
diff --git a/Gemfile.lock b/Gemfile.lock
index 8cebab8..98defcd 100644
--- a/Gemfile.lock
+++ b/Gemfile.lock
@@ -9,12 +9,20 @@ GEM
     addressable (2.7.0)
       public_suffix (>= 2.0.2, < 5.0)
     coderay (1.1.2)
+    coveralls (0.8.23)
+      json (>= 1.8, < 3)
+      simplecov (~> 0.16.1)
+      term-ansicolor (~> 1.3)
+      thor (>= 0.19.4, < 2.0)
+      tins (~> 1.6)
     crack (0.4.3)
       safe_yaml (~> 1.0.0)
     diff-lcs (1.3)
+    docile (1.3.2)
     faraday (1.0.0)
       multipart-post (>= 1.2, < 3)
     hashdiff (1.0.0)
+    json (2.3.0)
     method_source (0.9.2)
     multipart-post (2.1.1)
     pry (0.12.2)
@@ -36,6 +44,17 @@ GEM
       rspec-support (~> 3.9.0)
     rspec-support (3.9.2)
     safe_yaml (1.0.5)
+    simplecov (0.16.1)
+      docile (~> 1.1)
+      json (>= 1.8, < 3)
+      simplecov-html (~> 0.10.0)
+    simplecov-html (0.10.2)
+    sync (0.5.0)
+    term-ansicolor (1.7.1)
+      tins (~> 1.0)
+    thor (1.0.1)
+    tins (1.24.1)
+      sync
     vcr (5.1.0)
     webmock (2.3.2)
       addressable (>= 2.3.6)
@@ -47,6 +66,7 @@ PLATFORMS
 
 DEPENDENCIES
   bundler (~> 2.0)
+  coveralls (~> 0.8.15)
   faraday
   momoapi-ruby!
   pry (~> 0.12)
diff --git a/README.md b/README.md
index 97647c6..1e1db94 100644
--- a/README.md
+++ b/README.md
@@ -1,7 +1,8 @@
 # MTN MoMo API Ruby Gem
 
 [![Build Status](https://travis-ci.com/sparkplug/momoapi-ruby.svg?branch=master)](https://travis-ci.com/sparkplug/momoapi-ruby)
-
+[![Coverage Status](https://coveralls.io/repos/github/sparkplug/momoapi-ruby/badge.svg?branch=master)](https://coveralls.io/github/sparkplug/momoapi-ruby?branch=master)
+[![Join the community on Spectrum](https://withspectrum.github.io/badge/badge.svg)](https://spectrum.chat/momo-api-developers/)
 
 ## Usage
 
@@ -43,14 +44,18 @@ Add the following configurations in an initializer file (for example, `config/in
 Momoapi.configure do |config|
   config.base_url = 'Your MoMo account base URL'
   config.callback_host = 'Your Provider Callback Host'
-  config.collection_primary_key = 'Your Collection Subscription Key'
-  config.collection_user_id = 'Your Collection User ID'
-  config.collection_api_secret = 'Your Collection API Key'
 end
 ```
 
 ## Collections
-The collections client can be created with the following paramaters. Note that the `COLLECTION_USER_ID` and `COLLECTION_API_SECRET` for production are provided on the MTN OVA dashboard;
+The collections client can be created with the following paramaters. Note that the `COLLECTION_USER_ID` and `COLLECTION_API_SECRET` for production are provided on the MTN OVA dashboard.
+
+Add the following to your configuration block:
+```
+  config.collection_primary_key = 'Your Collection Subscription Key'
+  config.collection_user_id = 'Your Collection User ID'
+  config.collection_api_secret = 'Your Collection API Key'
+```
 
 * `collection_primary_key`: Primary Key for the `Collection` product on the developer portal.
 * `collection_user_id`: For sandbox, use the one generated with the `momoapi-ruby` command.
@@ -77,9 +82,91 @@ collection = Momoapi::Collection.new
 require 'momoapi-ruby'
 
 collection = Momoapi::Collection.new
-collection.requestToPay(
+collection.request_to_pay(
     mobile="256772123456", amount="600", external_id="123456789", payee_note="dd", payer_message="dd", currency="EUR")
 ```
+An extra argument, `callback_url`, can be passed to this method, denoting the URL to the server where the callback should be sent.
+
+## Disbursements
+The disbursements client can be created with the following paramaters. The `DISBURSEMENT_USER_ID` and `DISBURSEMENT_API_SECRET` for production are provided on the MTN OVA dashboard.
+
+Add the following to your configuration block:
+```
+  config.disbursement_primary_key = 'Your Disbursement Subscription Key'
+  config.disbursement_user_id = 'Your Disbursement User ID'
+  config.disbursement_api_secret = 'Your Disbursement API Key'
+```
+
+* `disbursement_primary_key`: Primary Key for the `Disbursement` product on the developer portal.
+* `disbursement_user_id`: For sandbox, use the one generated with the `momoapi-ruby` command.
+* `disbursement_api_secret`: For sandbox, use the one generated with the `momoapi-ruby` command.
+
+You can create a disbursement client with the following:
+
+```ruby
+require 'momoapi-ruby'
+
+disbursement = Momoapi::Disbursement.new
+```
+
+### Methods
+1. `transfer`: Used to transfer an amount from the owner’s account to a payee account. Status of the transaction can be validated by using the `get_transaction_status` method.
+
+2. `get_transaction_status`: Retrieve transaction information using the `transaction_id` returned by `transfer`. You can invoke it at intervals until the transaction fails or succeeds. If the transaction has failed, it will throw an appropriate error. 
+
+3. `get_balance`: Get the balance of the account.
+
+### Sample Code
+
+```ruby
+require 'momoapi-ruby'
+
+disbursement = Momoapi::Disbursement.new
+disbursement.transfer(
+    mobile="256772123456", amount="600", external_id="123456789", payee_note="dd", payer_message="dd", currency="EUR")
+```
+An extra argument, `callback_url`, can be passed to this method, denoting the URL to the server where the callback should be sent.
+
+## Remittances
+The remittances client can be created with the following paramaters. The `REMITTANCES_USER_ID` and `REMITTANCES_API_SECRET` for production are provided on the MTN OVA dashboard.
+
+Add the following to your configuration block:
+```
+  config.remittance_primary_key = 'Your Remittance Subscription Key'
+  config.remittance_user_id = 'Your Remittance User ID'
+  config.remittance_api_secret = 'Your Remittance API Key'
+```
+
+* `remittance_primary_key`: Primary Key for the `Remittance` product on the developer portal.
+* `remittance_user_id`: For sandbox, use the one generated with the `momoapi-ruby` command.
+* `remittance_api_secret`: For sandbox, use the one generated with the `momoapi-ruby` command.
+
+You can create a remittance client with the following:
+
+```ruby
+require 'momoapi-ruby'
+
+remittance = Momoapi::Remittance.new
+```
+
+### Methods
+1. `transfer`: Used to transfer an amount from the owner’s account to a payee account. Status of the transaction can be validated by using the `get_transaction_status` method.
+
+2. `get_transaction_status`: Retrieve transaction information using the `transaction_id` returned by `transfer`. You can invoke it at intervals until the transaction fails or succeeds. If the transaction has failed, it will throw an appropriate error. 
+
+3. `get_balance`: Get the balance of the account.
+
+### Sample Code
+
+```ruby
+require 'momoapi-ruby'
+
+remittance = Momoapi::Remittance.new
+remittance.transfer(
+    mobile="256772123456", amount="600", external_id="123456789", payee_note="dd", payer_message="dd", currency="EUR")
+```
+An extra argument, `callback_url`, can be passed to this method, denoting the URL to the server where the callback should be sent.
+
 
 ## Contributing
 
diff --git a/lib/momoapi-ruby/cli.rb b/lib/momoapi-ruby/cli.rb
index 5b31b1f..1fe2f15 100644
--- a/lib/momoapi-ruby/cli.rb
+++ b/lib/momoapi-ruby/cli.rb
@@ -1,5 +1,9 @@
 # frozen_string_literal: true
 
+# This is an executable file allowing a user to use the command line interface
+# to pass in a callback host url and a subscription key
+# and get back a generated user id and API key
+
 require 'faraday'
 require 'json'
 require 'securerandom'
diff --git a/lib/momoapi-ruby/client.rb b/lib/momoapi-ruby/client.rb
index 0f6c570..6ecefae 100644
--- a/lib/momoapi-ruby/client.rb
+++ b/lib/momoapi-ruby/client.rb
@@ -1,5 +1,9 @@
 # frozen_string_literal: true
 
+# Base implementation of the MTN API client
+
+# Includes methods common to collections, disbursements and remittances
+
 require 'faraday'
 
 require 'momoapi-ruby/config'
@@ -23,8 +27,9 @@ def send_request(method, path, headers, *_body)
     end
 
     def interpret_response(resp)
+      body = resp.body.empty? ? '' : JSON.parse(resp.body)
       response = {
-        body: resp.body,
+        body: body,
         code: resp.status
       }
       unless resp.status >= 200 && resp.status < 300
@@ -37,6 +42,8 @@ def handle_error(response_body, response_code)
       raise Error::APIError.new(response_body, response_code)
     end
 
+    # Create an  access token which can then be used to
+    # authorize and authenticate towards the other end-points of the API
     def get_auth_token(path, subscription_key)
       headers = {
         "Ocp-Apim-Subscription-Key": subscription_key
@@ -55,7 +62,7 @@ def get_auth_token(path, subscription_key)
       end
     end
 
-    def get_balance(path, subscription_key)
+    def prepare_get_request(path, subscription_key)
       headers = {
         "X-Target-Environment": Momoapi.config.environment || 'sandbox',
         "Content-Type": 'application/json',
@@ -64,13 +71,19 @@ def get_balance(path, subscription_key)
       send_request('get', path, headers)
     end
 
+    # get the balance on an account
+    def get_balance(path, subscription_key)
+      prepare_get_request(path, subscription_key)
+    end
+
+    # retrieve transaction information, for transfer and payments
     def get_transaction_status(path, subscription_key)
-      headers = {
-        "X-Target-Environment": Momoapi.config.environment || 'sandbox',
-        "Content-Type": 'application/json',
-        "Ocp-Apim-Subscription-Key": subscription_key
-      }
-      send_request('get', path, headers)
+      prepare_get_request(path, subscription_key)
+    end
+
+    # check if an account holder is registered and active in the system
+    def is_user_active(path, subscription_key)
+      prepare_get_request(path, subscription_key)
     end
   end
 end
diff --git a/lib/momoapi-ruby/collection.rb b/lib/momoapi-ruby/collection.rb
index 71c8450..0240164 100644
--- a/lib/momoapi-ruby/collection.rb
+++ b/lib/momoapi-ruby/collection.rb
@@ -1,5 +1,7 @@
 # frozen_string_literal: true
 
+# Implementation of the MTN API collections client
+
 require 'securerandom'
 
 require 'momoapi-ruby/config'
@@ -22,8 +24,16 @@ def get_transaction_status(transaction_id)
       super(path, Momoapi.config.collection_primary_key)
     end
 
+    # This method is used to request a payment from a consumer (Payer).
+    # The payer will be asked to authorize the payment. The transaction will
+    # be executed once the payer has authorized the payment.
+    # The requesttopay will be in status PENDING until the transaction
+    # is authorized or declined by the payer or it is timed out by the system.
+    # The status of the transaction can be validated
+    # by using `get_transation_status`
     def request_to_pay(phone_number, amount, external_id,
-                       payee_note = '', payer_message = '', currency = 'EUR')
+                       payee_note = '', payer_message = '',
+                       currency = 'EUR', **options)
       uuid = SecureRandom.uuid
       headers = {
         "X-Target-Environment": Momoapi.config.environment || 'sandbox',
@@ -31,6 +41,9 @@ def request_to_pay(phone_number, amount, external_id,
         "X-Reference-Id": uuid,
         "Ocp-Apim-Subscription-Key": Momoapi.config.collection_primary_key
       }
+      if options[:callback_url]
+        headers['X-Callback-Url'] = options[:callback_url]
+      end
       body = {
         "payer": {
           "partyIdType": 'MSISDN',
@@ -46,5 +59,10 @@ def request_to_pay(phone_number, amount, external_id,
       send_request('post', path, headers, body)
       { transaction_reference: uuid }
     end
+
+    def is_user_active(phone_number)
+      path = "/collection/v1_0/accountholder/msisdn/#{phone_number}/active"
+      super(path, Momoapi.config.collection_primary_key)
+    end
   end
 end
diff --git a/lib/momoapi-ruby/config.rb b/lib/momoapi-ruby/config.rb
index c38362b..53c07b8 100644
--- a/lib/momoapi-ruby/config.rb
+++ b/lib/momoapi-ruby/config.rb
@@ -1,5 +1,8 @@
 # frozen_string_literal: true
 
+# Configurations are set up in this file
+# for a user's MTN MoMo API user credentials
+
 module Momoapi
   class Config
     attr_accessor :environment, :base_url,
diff --git a/lib/momoapi-ruby/disbursement.rb b/lib/momoapi-ruby/disbursement.rb
index c1a5537..0e7ee62 100644
--- a/lib/momoapi-ruby/disbursement.rb
+++ b/lib/momoapi-ruby/disbursement.rb
@@ -1,5 +1,7 @@
 # frozen_string_literal: true
 
+# Implementation of the MTN API disbursements client
+
 require 'momoapi-ruby/config'
 require 'momoapi-ruby/client'
 
@@ -20,8 +22,13 @@ def get_transaction_status(transaction_id)
       super(path, Momoapi.config.disbursement_primary_key)
     end
 
+    # The transfer operation is used to transfer an amount from the owner’s
+    # account to a payee account.
+    # The status of the transaction can be validated
+    # by using `get_transation_status`
     def transfer(phone_number, amount, external_id,
-                 payee_note = '', payer_message = '', currency = 'EUR')
+                 payee_note = '', payer_message = '',
+                 currency = 'EUR', **options)
       uuid = SecureRandom.uuid
       headers = {
         "X-Target-Environment": Momoapi.config.environment || 'sandbox',
@@ -29,6 +36,9 @@ def transfer(phone_number, amount, external_id,
         "X-Reference-Id": uuid,
         "Ocp-Apim-Subscription-Key": Momoapi.config.disbursement_primary_key
       }
+      if options[:callback_url]
+        headers['X-Callback-Url'] = options[:callback_url]
+      end
       body = {
         "payer": {
           "partyIdType": 'MSISDN',
@@ -44,5 +54,10 @@ def transfer(phone_number, amount, external_id,
       send_request('post', path, headers, body)
       { transaction_reference: uuid }
     end
+
+    def is_user_active(phone_number)
+      path = "/disbursement/v1_0/accountholder/msisdn/#{phone_number}/active"
+      super(path, Momoapi.config.disbursement_primary_key)
+    end
   end
 end
diff --git a/lib/momoapi-ruby/errors.rb b/lib/momoapi-ruby/errors.rb
index debc076..f229521 100644
--- a/lib/momoapi-ruby/errors.rb
+++ b/lib/momoapi-ruby/errors.rb
@@ -1,5 +1,7 @@
 # frozen_string_literal: true
 
+# Error handling for unsuccessful responses from the MTN Momo API
+
 module Error
   class APIError < StandardError
     def initialize(message, code)
diff --git a/lib/momoapi-ruby/remittance.rb b/lib/momoapi-ruby/remittance.rb
index f564375..2a008ca 100644
--- a/lib/momoapi-ruby/remittance.rb
+++ b/lib/momoapi-ruby/remittance.rb
@@ -1,5 +1,7 @@
 # frozen_string_literal: true
 
+# Implementation of the MTN API remittances client
+
 require 'momoapi-ruby/config'
 require 'momoapi-ruby/client'
 
@@ -20,8 +22,13 @@ def get_transaction_status(transaction_id)
       super(path, Momoapi.config.remittance_primary_key)
     end
 
+    # The transfer operation is used to transfer an amount from the owner’s
+    # account to a payee account.
+    # The status of the transaction can be validated
+    # by using `get_transation_status`
     def transfer(phone_number, amount, external_id,
-                 payee_note = '', payer_message = '', currency = 'EUR')
+                 payee_note = '', payer_message = '',
+                 currency = 'EUR', **options)
       uuid = SecureRandom.uuid
       headers = {
         "X-Target-Environment": Momoapi.config.environment || 'sandbox',
@@ -29,6 +36,9 @@ def transfer(phone_number, amount, external_id,
         "X-Reference-Id": uuid,
         "Ocp-Apim-Subscription-Key": Momoapi.config.disbursement_primary_key
       }
+      if options[:callback_url]
+        headers['X-Callback-Url'] = options[:callback_url]
+      end
       body = {
         "payer": {
           "partyIdType": 'MSISDN',
@@ -44,5 +54,10 @@ def transfer(phone_number, amount, external_id,
       send_request('post', path, headers, body)
       { transaction_reference: uuid }
     end
+
+    def is_user_active(phone_number)
+      path = "/remittance/v1_0/accountholder/msisdn/#{phone_number}/active"
+      super(path, Momoapi.config.remittance_primary_key)
+    end
   end
 end
diff --git a/momoapi-ruby.gemspec b/momoapi-ruby.gemspec
index 477afb6..94b355a 100644
--- a/momoapi-ruby.gemspec
+++ b/momoapi-ruby.gemspec
@@ -9,17 +9,9 @@ Gem::Specification.new do |spec|
   spec.version       = Momoapi::VERSION
   spec.authors       = ['Lydia Sanyu Naggayi']
   spec.email         = ['lydiansanyu@gmail.com']
-
-  spec.summary       = 'MTN MoMo API gem'
-  # spec.description   = %q{TODO: Write a longer description}
-  # spec.homepage      = "TODO: Put your gem's website or public repo URL here."
-  # spec.license       = "MIT"
-
-  # spec.metadata["allowed_push_host"] = "TODO: Set to 'http://mygemserver.com'"
-
-  # spec.metadata["homepage_uri"] = spec.homepage
-  # spec.metadata["source_code_uri"] = ""
-  # spec.metadata["changelog_uri"] = ""
+  spec.summary       = 'MTN MoMo gem'
+  spec.description   = 'MTN MoMo API Client for Ruby'
+  spec.license       = 'MIT'
 
   # Specify which files should be added to the gem when it is released.
   # The `git ls-files -z` loads the files in the
@@ -33,6 +25,7 @@ Gem::Specification.new do |spec|
   spec.require_paths = ['lib']
 
   spec.add_development_dependency 'bundler', '~> 2.0'
+  spec.add_development_dependency 'coveralls', '~> 0.8.15'
   spec.add_development_dependency 'faraday'
   spec.add_development_dependency 'pry', '~> 0.12'
   spec.add_development_dependency 'rake', '~> 10.0'
diff --git a/spec/cassettes/Momoapi_Collection/collections/checks_is_user_is_active.yml b/spec/cassettes/Momoapi_Collection/collections/checks_is_user_is_active.yml
new file mode 100644
index 0000000..0041499
--- /dev/null
+++ b/spec/cassettes/Momoapi_Collection/collections/checks_is_user_is_active.yml
@@ -0,0 +1,83 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/collection/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - b5e0f061fa5a4cbbbd2192530b7cedfb
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 11:29:47 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEyOjI5OjQ3LjUxMCIsInNlc3Npb25JZCI6IjA3NDk2NmEzLWZhYzktNDMzNC1iYWM0LTM3ZDk1NzRkZDBlYSJ9.d29q6K1ne03SSOdSVaQ_ofTL8mkhXxjoLgRl92h9Dboo5dSyP-pvXW7plMEuU_9yqCRV3B3wGcb0y9791vZAbjgag9cixJBUJY9vktPr_O32VoTB-wnMzy44xUJc3pfqCnne4U8jkm3C3uYrZnEp3jJGh9Ac7mC-SPASEcRRb2g2l9dH8gU1BG43zjkr3MWY7LIk6ZWZ0qDMc6zughjKldp93aphLMvL-WGcwufjtkej6XrXbHw_6maFGdsz5RdYIIHUbGobphOAL9zqEqW0n4Cbr-AC2BGuMI0k_B94Iy4csZ-knbtsDy1819cInW2Fxg_K88rhQZPvRDhf6LvDZA","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 11:29:47 GMT
+- request:
+    method: get
+    uri: https://sandbox.momodeveloper.mtn.com/collection/v1_0/accountholder/msisdn/0243656543/active
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      Ocp-Apim-Subscription-Key:
+      - b5e0f061fa5a4cbbbd2192530b7cedfb
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEyOjI5OjQ3LjUxMCIsInNlc3Npb25JZCI6IjA3NDk2NmEzLWZhYzktNDMzNC1iYWM0LTM3ZDk1NzRkZDBlYSJ9.d29q6K1ne03SSOdSVaQ_ofTL8mkhXxjoLgRl92h9Dboo5dSyP-pvXW7plMEuU_9yqCRV3B3wGcb0y9791vZAbjgag9cixJBUJY9vktPr_O32VoTB-wnMzy44xUJc3pfqCnne4U8jkm3C3uYrZnEp3jJGh9Ac7mC-SPASEcRRb2g2l9dH8gU1BG43zjkr3MWY7LIk6ZWZ0qDMc6zughjKldp93aphLMvL-WGcwufjtkej6XrXbHw_6maFGdsz5RdYIIHUbGobphOAL9zqEqW0n4Cbr-AC2BGuMI0k_B94Iy4csZ-knbtsDy1819cInW2Fxg_K88rhQZPvRDhf6LvDZA
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Content-Length:
+      - '15'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 11:29:49 GMT
+    body:
+      encoding: UTF-8
+      string: '{"result":true}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 11:29:49 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/cassettes/Momoapi_Remittance/remittances/gets_balance.yml b/spec/cassettes/Momoapi_Remittance/remittances/gets_balance.yml
new file mode 100644
index 0000000..6032575
--- /dev/null
+++ b/spec/cassettes/Momoapi_Remittance/remittances/gets_balance.yml
@@ -0,0 +1,83 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 12:07:55 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU1LjE0MyIsInNlc3Npb25JZCI6IjgzY2Y3Zjg3LWNlN2EtNDlmYi04ZDU4LTdiMTFmODA0NWE1NSJ9.gT1-u80gziEk8_DaT3y4T14PJdJ2tfPYdK1yJAlIMTA-g3eIfIVmCQ7PIo1SnHhRHcJN-CIL0kRsk9lBxSWN5r2aUWLHrZQoTrnE0HkmSZtAsofzKJOhpHgk4K_L2H9aFnSHISDGqFnosRh6RcNOsactnVw4YPxKvbs9ysZ8Vh5eJPpqQ7KdhDRnILuBzikN1cJe-kOjsv0nKWOp88peDHy_HtXPzrAXJBzP0a5ElodnjnlXLu0J-TQET0l-Sll26YN4T9FdnC-3teJIwwNWSufndy0ynvHbagrG6VB_im27wa4Z7EwXhXmOgJe0PsnEAdzbmEEF87kSQ2rb-FnYdw","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:07:55 GMT
+- request:
+    method: get
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/account/balance
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU1LjE0MyIsInNlc3Npb25JZCI6IjgzY2Y3Zjg3LWNlN2EtNDlmYi04ZDU4LTdiMTFmODA0NWE1NSJ9.gT1-u80gziEk8_DaT3y4T14PJdJ2tfPYdK1yJAlIMTA-g3eIfIVmCQ7PIo1SnHhRHcJN-CIL0kRsk9lBxSWN5r2aUWLHrZQoTrnE0HkmSZtAsofzKJOhpHgk4K_L2H9aFnSHISDGqFnosRh6RcNOsactnVw4YPxKvbs9ysZ8Vh5eJPpqQ7KdhDRnILuBzikN1cJe-kOjsv0nKWOp88peDHy_HtXPzrAXJBzP0a5ElodnjnlXLu0J-TQET0l-Sll26YN4T9FdnC-3teJIwwNWSufndy0ynvHbagrG6VB_im27wa4Z7EwXhXmOgJe0PsnEAdzbmEEF87kSQ2rb-FnYdw
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 500
+      message: Server Error
+    headers:
+      Content-Length:
+      - '93'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 12:07:56 GMT
+    body:
+      encoding: UTF-8
+      string: '{"message":"An internal error occurred while processing.","code":"INTERNAL_PROCESSING_ERROR"}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:07:56 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/cassettes/Momoapi_Remittance/remittances/gets_transaction_status.yml b/spec/cassettes/Momoapi_Remittance/remittances/gets_transaction_status.yml
new file mode 100644
index 0000000..ea71bf2
--- /dev/null
+++ b/spec/cassettes/Momoapi_Remittance/remittances/gets_transaction_status.yml
@@ -0,0 +1,81 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 12:07:57 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU3LjQ0NyIsInNlc3Npb25JZCI6ImE1MjM3NzJkLTQ2ZTQtNGRiNy05YjliLWZjYzQyMTMyOTVmNyJ9.hck9MYcTndOMH45kMoqhQO7-Ml0a6fBtwZOtB-Xax_Ru-FP-1efBLnpbTIWzC9H888o6NieyZPHpecnMoak1OwgudseSsF8cW5W0cYVWgqe1YEBppJlSvo6vTLBWIpR0nJ6QhHew3uZMl6CJoya5Zgu1DDNpfbNOOatNy-ae_1TDqsGbTi7eGZQ0ePzsgJ88EMpUekyjP5gbwlvWO1SWcsrAG3kgzmWb6twHdTN355izeQ4iXYt_bCyHdmKJhb2M2Bz_M9CDpq4QWXhXdUIeFqv0bRk9ReLnUoIM2bMtaXzwb6JX4ouulYuhP3knvYbzikb8HEjDr_h3Bke5KPIGjw","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:07:57 GMT
+- request:
+    method: get
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/transfer/888a79ff-0535-4a9f-8a66-457f7903bd8ab
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU3LjQ0NyIsInNlc3Npb25JZCI6ImE1MjM3NzJkLTQ2ZTQtNGRiNy05YjliLWZjYzQyMTMyOTVmNyJ9.hck9MYcTndOMH45kMoqhQO7-Ml0a6fBtwZOtB-Xax_Ru-FP-1efBLnpbTIWzC9H888o6NieyZPHpecnMoak1OwgudseSsF8cW5W0cYVWgqe1YEBppJlSvo6vTLBWIpR0nJ6QhHew3uZMl6CJoya5Zgu1DDNpfbNOOatNy-ae_1TDqsGbTi7eGZQ0ePzsgJ88EMpUekyjP5gbwlvWO1SWcsrAG3kgzmWb6twHdTN355izeQ4iXYt_bCyHdmKJhb2M2Bz_M9CDpq4QWXhXdUIeFqv0bRk9ReLnUoIM2bMtaXzwb6JX4ouulYuhP3knvYbzikb8HEjDr_h3Bke5KPIGjw
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 400
+      message: Bad Request
+    headers:
+      Content-Length:
+      - '0'
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 12:07:57 GMT
+    body:
+      encoding: UTF-8
+      string: ''
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:07:58 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/cassettes/Momoapi_Remittance/remittances/makes_transfer.yml b/spec/cassettes/Momoapi_Remittance/remittances/makes_transfer.yml
new file mode 100644
index 0000000..093649e
--- /dev/null
+++ b/spec/cassettes/Momoapi_Remittance/remittances/makes_transfer.yml
@@ -0,0 +1,90 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Mon, 02 Mar 2020 12:07:59 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU5LjQ4MyIsInNlc3Npb25JZCI6Ijg2NGU2ZTdmLTBkZmMtNGM3MS04ODIyLWZjY2Y1NDgxMGI0OCJ9.MDAyvP439yl-G-O9hiO8AjDxgO7R-nreq2eSiEf13B9xz4HjmyulUa0cp1Ls_8mtkrdIgeYXXAV-L0d4L6u_02hUC5MGzA5IbNxwfd9Lt74LlEUn7TvVkhfK1hbBUA_D_vrH1Imgmt7KT5SZC54WaEmWTUHRx5OS_acrekeny0oV1DhQuCoA1ArA_W6-sZLzXG7S8N6QZy6usU8fWD9Fs7hiuS8B9lMthg2EjXpqa5UWdmlNUuQdzh5ri0_nxzeWLHsq64OPYeFlppKQXYHUf6Lrd4YSMCNq9ktSHSSNjmWSrWwrUPMuji5NZ2uB7djCDZ7LmLWUfxhEmZwIigjg5w","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:07:59 GMT
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/transfer
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      X-Reference-Id:
+      - df2b6f54-114f-4588-8dce-a4c50734f9e4
+      Ocp-Apim-Subscription-Key:
+      - 0c74e0a1cf344d45a3d02b1da52c12f5
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAzLTAyVDEzOjA3OjU5LjQ4MyIsInNlc3Npb25JZCI6Ijg2NGU2ZTdmLTBkZmMtNGM3MS04ODIyLWZjY2Y1NDgxMGI0OCJ9.MDAyvP439yl-G-O9hiO8AjDxgO7R-nreq2eSiEf13B9xz4HjmyulUa0cp1Ls_8mtkrdIgeYXXAV-L0d4L6u_02hUC5MGzA5IbNxwfd9Lt74LlEUn7TvVkhfK1hbBUA_D_vrH1Imgmt7KT5SZC54WaEmWTUHRx5OS_acrekeny0oV1DhQuCoA1ArA_W6-sZLzXG7S8N6QZy6usU8fWD9Fs7hiuS8B9lMthg2EjXpqa5UWdmlNUuQdzh5ri0_nxzeWLHsq64OPYeFlppKQXYHUf6Lrd4YSMCNq9ktSHSSNjmWSrWwrUPMuji5NZ2uB7djCDZ7LmLWUfxhEmZwIigjg5w
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 401
+      message: Access Denied
+    headers:
+      Content-Length:
+      - '143'
+      Content-Type:
+      - application/json
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Www-Authenticate:
+      - AzureApiManagementKey realm="https://sandbox.momodeveloper.mtn.com/remittance",name="Ocp-Apim-Subscription-Key",type="header"
+      Date:
+      - Mon, 02 Mar 2020 12:07:59 GMT
+    body:
+      encoding: UTF-8
+      string: '{ "statusCode": 401, "message": "Access denied due to invalid subscription
+        key. Make sure to provide a valid key for an active subscription." }'
+    http_version: null
+  recorded_at: Mon, 02 Mar 2020 12:08:00 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/features/collection_spec.rb b/spec/features/collection_spec.rb
index 3a9f3a1..fc30a6e 100644
--- a/spec/features/collection_spec.rb
+++ b/spec/features/collection_spec.rb
@@ -14,9 +14,12 @@
   end
 
   describe 'collections', vcr: { record: :new_episodes } do
+    it 'checks is user is active' do
+      response = Momoapi::Collection.new.is_user_active('0243656543')
+      expect(response[:code]).to eq(200)
+    end
+
     it 'gets balance' do
-      # response = Momoapi::Collection.new.get_balance
-      # expect(response).to have_http_status 200
       expect { Momoapi::Collection.new.get_balance }
         .to raise_error(Error::APIError)
     end
diff --git a/spec/features/remittance_spec.rb b/spec/features/remittance_spec.rb
index 8c966b6..33b26bc 100644
--- a/spec/features/remittance_spec.rb
+++ b/spec/features/remittance_spec.rb
@@ -2,7 +2,7 @@
 
 require 'spec_helper'
 
-RSpec.describe Momoapi::Disbursement do
+RSpec.describe Momoapi::Remittance do
   before(:all) do
     Momoapi.configure do |config|
       config.base_url = 'https://sandbox.momodeveloper.mtn.com'
diff --git a/spec/spec_helper.rb b/spec/spec_helper.rb
index c2ce482..473a5da 100644
--- a/spec/spec_helper.rb
+++ b/spec/spec_helper.rb
@@ -1,5 +1,8 @@
 # frozen_string_literal: true
 
+require 'coveralls'
+Coveralls.wear!
+
 require 'bundler/setup'
 require 'momoapi-ruby'
 require 'webmock/rspec'